Adair County, KY
Adair County's two-bedroom Fair Market Rent is $866 a month. That is the lowest figure published for any Kentucky county — and 55 other Kentucky counties publish exactly the same number.
Key HUD figures for Adair County, KY
HUD area: Adair County, KY
- Fair Market Rent (2BR)
- $866
- HUD Median Family Income
- $71,700
- Very Low Income (50%) — 4-person
- $35,950
- Low Income (80%) — 4-person
- $57,500
- HUD Year
- 2026
- FMR Year
- 2026
per month
area median family income, per year
annual household limit
annual household limit
income limits
fair market rents
Compare HUD Median Family Income
- Lower HUD MFI: Metcalfe County, KY $71,600/year
- Higher HUD MFI: Grayson County, KY $72,500/year
Fair Market Rents by bedroom
| Unit size | Monthly FMR | Annualized FMR |
|---|---|---|
| Studio / efficiency | $619 | $7,428 |
| 1 bedroom | $683 | $8,196 |
| 2 bedrooms(reference benchmark) | $866 | $10,392 |
| 3 bedrooms | $1,204 | $14,448 |
| 4 bedrooms | $1,246 | $14,952 |
Compare 2BR Fair Market Rent
- Higher 2BR FMR: Barren County, KY $868/month
HUD income limits by household size
| Income limit category | 1 person | 2 persons | 3 persons | 4 persons | 5 persons | 6 persons | 7 persons | 8 persons |
|---|---|---|---|---|---|---|---|---|
| Extremely Low Income | $15,960 | $21,640 | $27,320 | $33,000 | $38,680 | $41,750 | $44,600 | $47,500 |
| Very Low Income (50%) | $25,200 | $28,800 | $32,400 | $35,950 | $38,850 | $41,750 | $44,600 | $47,500 |
| Low Income (80%) | $40,250 | $46,000 | $51,750 | $57,500 | $62,100 | $66,700 | $71,300 | $75,900 |
These are HUD income limits for the Adair County, KY area. They are thresholds published by HUD, not an eligibility determination: individual programs apply their own rules, and adjusted-income definitions (deductions, allowances, and which household members count) can change whether a given household qualifies.
At the Kentucky floor, alongside 55 identical counties
- Applicable HUD 2BR FMR
- $866
- Median 2BR FMR across county records in KY
- $900
- Difference
- -$34
- Difference (%)
- -3.8%
- Rank in state
- Tied at 65 of 120
The two-bedroom Fair Market Rent applicable to Adair County is below the state median for KY. It is tied at rank 65 of 120 county records by 2BR FMR, sharing that rank with 55 other county records at the same rent.
Rank 1 is the highest 2BR FMR in the state, and county records with an identical rent share a rank. “Approximately at the state median” means within 2% of it. The median is taken across the 120 county records published for KY — it is not weighted by households or population, and it is not a median over unique HUD areas, so a HUD area covering several counties counts once per county record.
The rent comparison is a dead end here. The income limits are not.
Fifty-six of Kentucky's 120 county records publish a two-bedroom Fair Market Rent of $866, and none publishes less. Rank 65 of 120 is that whole block sharing one position, which is also why the comparison links on this page offer no lower-rent neighbour: within Kentucky, there isn't one.
The income limits do distinguish them. Those 56 counties carry 50 distinct HUD area median family incomes, from $39,000 in Wolfe County to $91,700 in Lyon County. Adair's $71,700 places it 17th of the 56 — upper third of the group, on the only measure that separates them. If you are comparing Kentucky counties at this end of the rent table, the rent will not tell you anything and the income limits will.
Rent benchmark vs HUD Median Family Income
- Annualized 2BR FMR
- $10,392
- HUD Median Family Income (annual)
- $71,700
- Annualized 2BR FMR as a share of HUD Median Family Income
- 14.5%
12 × $866
This is a ratio between two HUD benchmarks for the Adair County, KY area: the annualized two-bedroom Fair Market Rent divided by HUD Median Family Income. It is not a measured rent burden, not the share of income any particular family spends on housing, and not an affordability or eligibility determination.
Compare FMR-to-MFI benchmark
- Lower benchmark: Hopkins County, KY 14.5%
- Higher benchmark: Carter County, KY 14.5%
HUD area for this county
- HUD area name
- Adair County, KY
- HUD area code
- NCNTY21001N21001
- Income limits fiscal year
- FY2026
- Fair Market Rent fiscal year
- FY2026
HUD income limits and Fair Market Rents apply to HUD-defined areas that can cover multiple geographic entities. The values on this page are those assigned to this HUD entity record; entities sharing the same HUD area can have identical figures.
National economic context
The figures below are federal and national. They are not specific to Adair County and do not vary between counties.
Inflation (official BLS CPI-U national series)
Loading chart…
Fonte Dati: bls.gov — BLS CPI-U CUUR0000SA0
Mostra Dati in Tabella
| Date (YYYY-MM) | Year | Period | Value |
|---|---|---|---|
| 2023-07 | 2023 | M07 | 305.691 |
| 2023-08 | 2023 | M08 | 307.026 |
| 2023-09 | 2023 | M09 | 307.789 |
| 2023-10 | 2023 | M10 | 307.671 |
| 2023-11 | 2023 | M11 | 307.051 |
| 2023-12 | 2023 | M12 | 306.746 |
| 2024-01 | 2024 | M01 | 308.417 |
| 2024-02 | 2024 | M02 | 310.326 |
| 2024-03 | 2024 | M03 | 312.332 |
| 2024-04 | 2024 | M04 | 313.548 |
| 2024-05 | 2024 | M05 | 314.069 |
| 2024-06 | 2024 | M06 | 314.175 |
| 2024-07 | 2024 | M07 | 314.54 |
| 2024-08 | 2024 | M08 | 314.796 |
| 2024-09 | 2024 | M09 | 315.301 |
| 2024-10 | 2024 | M10 | 315.664 |
| 2024-11 | 2024 | M11 | 315.493 |
| 2024-12 | 2024 | M12 | 315.605 |
| 2025-01 | 2025 | M01 | 317.671 |
| 2025-02 | 2025 | M02 | 319.082 |
| 2025-03 | 2025 | M03 | 319.799 |
| 2025-04 | 2025 | M04 | 320.795 |
| 2025-05 | 2025 | M05 | 321.465 |
| 2025-06 | 2025 | M06 | 322.561 |
| 2025-07 | 2025 | M07 | 323.048 |
| 2025-08 | 2025 | M08 | 323.976 |
| 2025-09 | 2025 | M09 | 324.8 |
| 2025-11 | 2025 | M11 | 324.122 |
| 2025-12 | 2025 | M12 | 324.054 |
| 2026-01 | 2026 | M01 | 325.252 |
| 2026-02 | 2026 | M02 | 326.785 |
| 2026-03 | 2026 | M03 | 330.213 |
| 2026-04 | 2026 | M04 | 333.02 |
| 2026-05 | 2026 | M05 | 335.123 |
| 2026-06 | 2026 | M06 | 333.952 |
| 2026-07 | 2026 | M07 | 333.918 |
Purchasing power decision engine
Decision snapshot (server-rendered)
Baseline: HUD Median Family Income adjusted from 2025-07 to 2026-07 using embedded CPI-U monthly series.
- Adjusted income is near the local median and/or purchasing power decreased materially.
- This suggests moderate affordability risk under CPI-U adjustment assumptions.
Purchasing power decision tool (CPI-U monthly)
This module converts an annual income from 2025-07 into its 2026-07 equivalent using the CPI-U series, then compares it to the HUD Median Family Income for Adair County, KY.
The baseline is HUD's Median Family Income for the HUD area, not a Census median household income. The CPI-U series is the official BLS CUUR0000SA0 index, unadjusted; months BLS did not publish are left out rather than interpolated.
HUD Median Family Income (annual): $71,700
Decision output
- Adjusted income is near the local median and/or purchasing power decreased materially.
- This suggests moderate affordability risk under CPI-U adjustment assumptions.
Methodology & assumptions (v1.0)
Adjusted income is computed as Income × CPI(to) / CPI(from) using CPI-U monthly index values embedded in this page.
- CPI-U is an aggregate price index for urban consumers; individual consumption patterns may differ.
- No interpolation is applied; both selected months must exist in the dataset.
- HUD Median Family Income is treated as the annual reference benchmark for the applicable HUD area, compared to adjusted annual income.
- This module performs a historical transformation, not a forecast.
IRS reference
Publication 15-T (2026) — Federal Income Tax Withholding Methods. Official IRS publication →
Reference only. GovCalculator does not compute federal income tax withholding. The publication's withholding methods and tables are not ingested or modelled here.
Sources & methodology
HUD income limits and Fair Market Rents are taken from the fiscal-year tables HUD publishes per HUD-defined area — which can include more than one county — and joined to this county record. State comparisons are computed across the 2BR Fair Market Rents of the county records in the same state; the median uses the middle value and is not weighted by households or population, rank 1 is the highest rent in the state, and county records with identical rents share a rank.
The income figure used throughout this page is HUD's Median Family Income for the HUD area above. It is not a Census median household income and the two are not interchangeable.
The CPI-U series is the official BLS CUUR0000SA0 index, not seasonally adjusted, taken from the published BLS series: 36 published monthly observations. Months BLS did not publish are not interpolated. IRS Publication 15-T is cited as an official reference only — no federal withholding is calculated anywhere on this site.
Verify eligibility requirements with local program administrators: household size, deductions, and program-specific definitions can materially change outcomes.
FAQ
Which HUD area do the figures for Adair County, KY come from?
HUD assigns this county to the Adair County, KY area (code NCNTY21001N21001). A HUD area can cover more than one county, so the area name is not always identical to the county name.
Which fiscal years are shown on this page?
Income limits are FY2026 and Fair Market Rents are FY2026.
What is the Fair Market Rent (2BR) here?
The two-bedroom Fair Market Rent is $866 per month. Fair Market Rents for studio through four-bedroom units are listed in the bedroom table above.
Do the income limits on this page decide whether I qualify?
No. They are the thresholds HUD publishes for this area. Programs apply their own rules, and adjusted-income definitions — deductions, allowances, and which household members count — can change the outcome for a given household.
What does the FMR-to-median-family-income share mean?
It is the annualized two-bedroom Fair Market Rent divided by HUD Median Family Income for the same area, here 14.5%. Both inputs are HUD area benchmarks, so it is not a measured rent burden and not an affordability determination.
How does Adair County rank within KY?
Its applicable two-bedroom Fair Market Rent is tied at rank 65 of 120 county records in KY, shared with 55 other county records at the same rent. Rank 1 is the highest rent in the state and county records with identical rents share a rank. That places it below the state median.
Is the CPI-based purchasing power module a forecast?
No. It is a historical adjustment using CPI-U monthly index values: Adjusted = Income × CPI(to) / CPI(from). It does not predict future inflation.
Does this page calculate federal income tax withholding?
No. GovCalculator does not compute federal withholding anywhere. IRS Publication 15-T is cited as an official reference only; its withholding methods and tables are not ingested or modelled here.
Why is there no county with a lower Fair Market Rent to compare against?
Because $866 is the lowest two-bedroom Fair Market Rent published for any Kentucky county, and 56 counties including Adair are at it. The comparison block on this page can only offer a higher-rent neighbour. To distinguish Adair from the other 55, use the income limits: those counties span 50 different HUD area median family incomes, from $39,000 to $91,700, and Adair's is $71,700.
Disclaimer: Estimates are informational and may not reflect every program rule or household adjustment. Always consult official guidance for Adair County, KY.